This is a very UK centric reply; For gas/electricity, broadband, council tax and water you can pay suppliers in cash or cheque via the Post Office counter . You would probably get a bill every 3 months. Or you can use a top up card (you add credit using cash at a local shop or post office) although this method can be an expensive way to do it as the rates are terrible These methods are designed to help people with poor credit as they would be unlikely to pass the checks needed for direct debit.